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South Plains Financial Inc (SPFI)

South Plains Financial, Inc. is a bank holding company for City Bank, serving small and medium-sized businesses as well as individual customers through a range of financial services. Its offerings include deposit accounts such as demand deposits, interest-bearing accounts, savings accounts, and certificates of deposit, along with debit and credit cards, trust services, retirement products, and investment services. The company also provides commercial and consumer lending, including commercial real estate, agricultural, energy, finance, insurance, construction, residential, auto, and other specialty loans, as well as mortgage banking services. Founded in 1941 and headquartered in Lubbock, Texas, South Plains Financial operates as a common stock listing on NASDAQ under the symbol SPFI.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-SPFI
$49.51
12.4% Upside
Fair
$50.75
15.2% Upside
Fair
Good
1.6%
October 27, 2026
12.7x
1.3x
3.7x
829.9 M
6.8%
79.3%
-1.0
17.2%
116.0%
Valuation • Fair Value

South Plains Financial Inc (NASDAQ-SPFI) Fair Value by Valuation Model

Review the available estimates for South Plains Financial Inc (NASDAQ-SPFI), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$49.51

Estimated upside of 12.4% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$38.35

Classic Ben Graham valuation formula reference.

DDM Fair Value

$65.80

Dividend discount model valuation reference.

Comps Fair Value

$38.65

Comparable-company valuation reference.

Analyst Price Target

$50.75

Analysts imply upside of 15.2%.

How to read these valuation models

Use the 6 available valuation references for South Plains Financial Inc (NASDAQ-SPFI) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for South Plains Financial Inc (NASDAQ-SPFI)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

223.8 M

Current operating scale indicator.

Revenue Forecast

248.8 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review South Plains Financial Inc (NASDAQ-SPFI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for South Plains Financial Inc (NASDAQ-SPFI)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-1.0

Lower score that deserves closer risk review.

FCF / Net Income

116.0%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for South Plains Financial Inc (NASDAQ-SPFI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for South Plains Financial Inc (NASDAQ-SPFI)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 27, 2026

Days to Earnings

35

Dividend Yield

1.6%

Current income yield reference.

Payout Ratio

17.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for South Plains Financial Inc (NASDAQ-SPFI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

South Plains Financial Inc (NASDAQ-SPFI) Stock Forecast & Technical Outlook

Review South Plains Financial Inc (NASDAQ-SPFI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for South Plains Financial Inc (NASDAQ-SPFI) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for South Plains Financial Inc (NASDAQ-SPFI) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for South Plains Financial Inc (NASDAQ-SPFI) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for South Plains Financial Inc (NASDAQ-SPFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for South Plains Financial Inc (NASDAQ-SPFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for South Plains Financial Inc (NASDAQ-SPFI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, South Plains Financial Inc (NASDAQ-SPFI) has a Strong Buy consensus, with 1 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 0
Sell 0
FAQ • Fast Investor Answers

South Plains Financial Inc (NASDAQ-SPFI) Stock FAQ

Data-supported answers about South Plains Financial Inc (NASDAQ-SPFI), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$49.51
Estimated upside 12.4%
Valuation Rating
Undervalued
Estimated upside of 12.4%
Analyst Target
$50.75
Implied upside 15.2%
Financial Health
Good
Current financial-health read

The current fair value estimate for South Plains Financial Inc (NASDAQ-SPFI) is $49.51. This implies an estimated upside of 12.4% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 12.4% versus the current market price.

The available analyst price target for South Plains Financial Inc (NASDAQ-SPFI) is $50.75. The analyst target implies estimated upside of 15.2%.

The current financial health read for South Plains Financial Inc (NASDAQ-SPFI) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for South Plains Financial Inc (NASDAQ-SPFI) is October 27, 2026.

Based on the current data, dividend yield is 1.6%.

The current P/E ratio listed for South Plains Financial Inc (NASDAQ-SPFI) is 12.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for South Plains Financial Inc is 829.9 M.

The ticker symbol for South Plains Financial Inc is NASDAQ-SPFI, and the stock is listed on NASDAQ.

South Plains Financial Inc (NASDAQ-SPFI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for South Plains Financial Inc is 6.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for South Plains Financial Inc is 79.3%. Free float helps investors understand how much of the share base is available for public trading.

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